KR20040001114A - Terminal for electronic purse - Google Patents

Abstract

PURPOSE: An electronic money terminal is provided to execute a paying process and a charging process, exchange an amount of money value collected by a price payment process into a real money value in a bank, and charge the collected money value. CONSTITUTION: A card interface unit(20) executes an interface with an electronic money card for a reading process and a recording process in a prepayment type electronic money card transaction system. A PSAM(42) verifies a validation of the electronic money card for executing a payment process operation to the electronic money card. A payment processing amount value storage(44) stores the sum of payment-processed amount of money of each electronic money card. An LSAM(32) verifies the electronic money card for executing a charging operation using the electronic money card. A charging amount value storage(34) executes a charging process an electronic money card which is requested for a charge using an internal storing amount of money. A control unit(10) controls a validation verification operation of the PSAM(42), controls a payment process for creasing the payment processing amount value storage(44), controls a validation verification operation of the LSAM(32), and controls a charging process for subtracting the charging amount value storage(34).

Description

Electronic money terminal {TERMINAL FOR ELECTRONIC PURSE}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a terminal for recording or reading information on an electronic money card. More particularly, the present invention relates to an electronic money terminal that implements a charging operation and a payment process in the same terminal. Existing real money not only has problems such as inconvenience of transaction, inconvenience of carrying, and cost of making money, but also makes it unsuitable for purchasing goods from far away. Electronic money is a currency composed of digital data to play the role of coins or banknotes in the virtual space of digital society based on digital data. More specifically, electronic money refers to goods that can be traded through a network such as the Internet or a communication network. . The need for such electronic money is greatly increased due to the rapid development of the Internet and electronic commerce, and it is also mainly used as a means for micropayment, especially in the transactions between individuals and companies. In other words, electronic money is widely used for payment methods of several hundred won to tens of thousands of won.

There are two types of electronic money: network type electronic money and card type electronic money. Double card type electronic money can be realized more safely through smart cards, and it is expected to be deployed in this direction in the future. In general, smart cards are defined as `` credit card-sized plastic cards with integrated circuit chips that have the ability to handle specific transactions by having a microprocessor, card operating system, security module, memory, etc. '' . Types of such smart cards are classified into contact cards, contactless cards, and mixed cards according to data reading methods.

The contact card refers to an interface device that accommodates it, that is, a card that is activated by contact of the card with the contact of the interface device when inserted into the card terminal. There is a risk of damage, but it is used in a field that requires a high level of security and needs to perform a specific encryption algorithm in the card. On the other hand, a contactless card is a contact type which is required for an information processing function and a memory device is a contact type. The same as the card, but the power supply for driving the chip in the card is made through the electromagnetic coupling of the coil in the card means a card of the type using an electromagnetic induction method for communication with the interface device. The non-contact card is strong in the external environment because there is no direct contact with the interface device, and there is an advantage that the chip in the card is broken by the static electricity induced at the contact point, but the manufacturing cost and the interface device accommodating it are The disadvantage is that it is 1.5 to 2.5 times more expensive. Generally, a contactless card is applied to traffic, parking, access control, or the like, which is a type of service which directly manipulates information in the card or requires less confirmation.

Finally, the hybrid card is a type of card that supports both contact and contactless card types, such as a Combi card (Combi card) and a hybrid card (Hybrid card). The two cards have something in common in that they support both contact and contactlessness, but the architecture is slightly different. Combi cards are chemically combined cards that share parts that can be shared by contact / contactless cards within a single card.The combination card allows the integration of heterogeneous applications (eg chip operating system, same key or password) through internal resource sharing. Can bring However, if the shared memory area is compromised, both contact / contactless card functionality can be paralyzed. In a hybrid card, a contact card and a contactless card are physically separated from each other in a single card. Therefore, it is inefficient in utilizing hardware resources (eg, use of independent memory) and software resources (eg, a separate operating system must exist), and manufacturing cost is also rather high.

Currently, prepaid RF card electronic money is mainly used for transportation cards, and RF cards, contact IC cards, and combination cards of both contact and RF methods are used in general distribution fields such as convenience stores and fast food restaurants. It is widening. At present, all of these prepaid electronic money have to be charged in advance in the card for a certain amount of money, but it is not uncomfortable when the card user has to go to a separate charger for charging. In particular, in the case of distribution, unlike transportation, which requires prompt payment, retailers such as convenience stores and department stores not only charge payment terminals for payment, but also charge terminals that charge customers' cards for convenience. Also needed. However, in the related art, the payment processing terminal and the charging terminal must be separately provided, which becomes a waste of space as well as a cost.

In addition, the value of the electronic money amount due to payments collected in the payment processing terminal should be exchanged in banks, etc. in an online / offline manner, and a certain amount of money must be exchanged and stored in advance in electronic money value in banks for charging the charging terminal. This is a more cumbersome process of overlapping than the case of charging directly with the value of electronic money collected by payment.

The present invention has been made to overcome the above problems, the object of the present invention is to provide a terminal for electronic money that can perform not only payment processing but also charging work with one electronic money terminal.

Still another object of the present invention is to directly convert the amount value collected by payment processing into real currency value at a bank, and immediately convert the actual value into the value value collected by payment processing, without the process of converting the real currency value into the value for charge. To provide a means for performing.

1 illustrates a structure of an example of the present invention.

2 illustrates a structure of another example of the present invention.

Figure 3 shows an example of the security key configuration of the charging security module, payment security module, electronic money, collection security module, issuer security module of the present invention.

4 is a flowchart illustrating an example procedure of the money value moving method of the present invention.

5 is a flowchart illustrating another exemplary procedure of the money value moving method of the present invention.

In order to achieve the above object, the electronic money terminal of the present invention in a prepaid electronic money transaction system comprises: a card interface unit for interfacing with an electronic money card for reading and writing; A payment security module (PSAM) for verifying the validity of the electronic money card for the payment processing operation with the electronic money card; A payment processing value value storing unit which stores a sum of the payment processed amounts of respective electronic money cards; A charging security module (LSAM) for verifying validity of the electronic money card for charging with the electronic money card; A charge amount value storage unit which charges the electronic money card charged as an internal storage amount; Control the payment processing to control the validity verification operation of the payment security module (PSAM) and increase the payment processing value value storage unit, or control the validity verification operation of the charging security module (LSAM) and deduct the payment amount value storage unit. It characterized in that it comprises a control unit for controlling the charging operation.

An auxiliary aspect of the electronic money terminal of the present invention for achieving the above object is the payment security module (PSAM) and the payment processing value value storage unit is integrated into a single smart card (IC card) for the PSAM, the charging security The module (LSAM) and the recharge value storage unit is characterized in that it is configured to be integrated into one LSAM smart card (IC card). In this case, the body of the electronic money terminal should be provided with a card connection for connecting the PSAM smart card (payment unit) and the LSAM smart card (charge unit).

An auxiliary aspect of the electronic money terminal of the present invention in the prepaid electronic money transaction system for achieving the second object, the control unit controls the mutual authentication between the payment security module and the charging security module, the mutual And controlling an operation of subtracting a predetermined amount from the payment processing value value storage unit after authentication and increasing or decreasing the charged amount value storage unit.

In a prepaid electronic money transaction system for achieving the second object, an additional aspect of another electronic money terminal of the present invention is that the control unit collects the security server (SSAM) and the payment security module of the settlement server online. Control mutual authentication with the controller; control mutual authentication between the issuer security module (PPSAM) and the charging security module (LSAM) of the financial institution through online; And controlling the operation of deducting from the storage unit and increasing or decreasing the charged amount value storage unit.

(First embodiment)

The operation of the preferred embodiment of the present invention as described above with reference to the accompanying drawings as follows.

The cardholder notifies the charging / payment terminal 1 or 2 of the electronic money card 50 via the input key (not shown) while interfacing the electronic money card 50 with the input key (not shown). It is common for a terminal user). In the case of payment, the terminal authenticates the validity of the electronic money card 50 in use using an internal payment security module (PSAM) 42 (i.e., using the PSAM internal key value). The authentication encrypts a specific number (usually random number or transmission data) with the internal key value and sends it to the other party with the random number, decrypts the signal received by the other party to its own key value, and checks whether the value matches the received random number. It is usually done in a bi-directional manner, again in the opposite direction. If the validity of the card 50 is confirmed, payment processing is performed on the input amount. The present invention is advantageously used in so-called distribution terminals mainly used for payment amount collection in convenience stores or fast food restaurants. During payment processing, the value stored in the user electronic money card 50 is deducted by the payment amount, and the value stored in the payment processing value value storage unit 44 in the distribution terminal is increased by the payment amount. If the processing operation is charging, the terminal verifies the validity of the electronic money card 50 by using an internal charging security module (LSAM) 32 (validating whether a prepaid card that can be charged) and charging in the terminal. The amount value storage unit 34 subtracts the charge request input amount, and increases and decreases the electronic money card 50.

In the above process, the operation state of the terminal internal control unit 10 is charged or paid according to the input of charging / payment. When the operation state is charging, the controller 10 checks whether the charging security module 32 is present in the terminal and whether the electronic money card 50 in use (interface) can be charged. In the case of using the single charging unit 6 having its own password, the password may be input from the terminal user to check whether the single charging unit 6 is authorized. Next, the control unit 10 transfers the charging amount input from the user, and instructs the electronic money card 50 and the charging security module 32 to perform a charging operation according to mutual authentication and authentication result for charging. In order to receive the data from the electronic money card 50 or charging security module 32 to deliver to the other party. When notified that the charging operation is completed from the electronic money card 50 and the charging security module 32, the charger lock is recorded in the terminal internal memory (not shown).

When the operation state is payment processing, the controller 10 checks whether the payment security module 42 exists inside the terminal and whether the electronic money card 50 in use is payable (in the case of a postpaid card, a payment stop card list BL). Review the Black List). Next, the controller 10 transfers the payment amount received from the user or the barcode reader, and performs payment processing according to the mutual authentication and authentication result for payment processing to the electronic money card 50 and the payment security module 42. If it is notified that the payment processing is completed from the electronic money card 50 or the payment security module 42 for this purpose, the payment processing record is recorded in the terminal internal memory.

When the terminal of the present invention is divided into a refund method and an external visual physical structure of the value value stored in the payment processing value value storage unit 44 or the charged amount value storage unit 34, the value value or transaction history is given online. There is an on-line terminal receiving the terminal, and an off-line terminal having a unit which is separated from the terminal body and stores the value of the money and transfers the unit to the settlement server connection terminal to exchange the value or the transaction value. In the case of an offline terminal, the payment security module and the payment processing value value storage unit may be divided into a single unit 8, and the charging security module and the payment amount storage unit may be divided into a single unit 6. In this case, a coupling unit for coupling the payment unit and the charging unit should be present outside the terminal body. It is preferable that the payment unit 8 be implemented as a smart card consisting of a single chip of a CPU that serves as a model module and a memory that stores the value of the payment processing amount. The charging unit 6 is also preferably implemented with a smart card for the same reason. When the charging unit 6 and the payment unit 8 are separated in this way, there is an advantage such that only the unit can be transported to the issuer after charging and payment processing offline. If necessary, the payment unit and the charging unit may be externally implemented as a single unit.

The terminal according to the present invention has a payment processing amount value storage unit 44 and a charged amount value storage unit 34, both of which store electronic money values electronically. However, according to the related art, the amount stored in the payment processing value value storage unit is transferred to the settlement server after authentication between the payment security module and the collection security module of the settlement server, and the currency server converts the real currency value into the bank account. Is common). In the prior art, to charge the value of the value stored in the charge amount storage unit, the real money value is charged to the electronic money value after authentication between the charge security module and the issuer security module (cash payment or bank transfer may be used). This has to be inevitable because each authentication procedure is required for security and the flow of electronic money must be possible in only one direction.

In the present invention to provide a method of moving the value value from the payment processing value value storage unit to the charge amount storage unit in order to avoid the above hassle, which includes a user-friendly offline method, higher security There is an online way of considering the level.

In the offline method of value-value moving method as shown in FIG. The terminal may require a password to check whether the current user is authorized to transfer the value-added command, or check whether the charging unit and the payment unit currently connected to the terminal are capable of executing the value-added move command. Whether the amount value sufficient to subtract the value amount is stored in the payment processing value value storage unit, and the sum of the amount stored in the value storage value value and the moving value amount is the maximum charge of the value amount storage unit. It is checked whether it is within the liquid limit (S120 and S130). Next, the authentication for moving the value value between the charging security module and the payment security module performs authentication (in this case, the charging security module and payment security module have the same movement key value separately) (S140), the control unit of the terminal is the payment The processing amount value storage unit controls the deduction of the input moving value amount and simultaneously controls the increase of the moving value amount in the charge amount value storage unit (S150) to perform the value value movement operation. In this method, even if the amount is transferred, the transaction for the total amount of payment processing (total amount without deducting the transfer value) is transferred to the collection server online (or by moving the transaction storage) to the collection server for settlement. Should be sent.

In the online method of value-value transfer method, a collection security module is placed on the external settlement server side to connect with the payment security module, and an issuer security module is placed on the external card issuer (financial company) to connect with the charging security module. Also in this method, first, an amount of money movement command and a value of movement value are input from the terminal user (S210). The terminal may require a password to check whether the current user is authorized to transfer the value-added command, and check whether the charging unit and the payment unit connected to the current terminal are capable of executing the value-added command. Whether an amount of money sufficient to subtract a moving value amount is stored in the payment processing value storage and the sum of the amount stored in the value storing value and the moving value amount is the maximum charge of the value storing value It is checked whether it is within the liquid limit (S220 and S230). Next, the mobile terminal performs authentication for movement in the terminal of the value value between the payment security module and the collection security module (SSAM) (S240) (in this case, a key for value movement may be set separately, but a collection key between the general PSAM and SSAM). It is preferable to use), and performs the same purpose authentication between the charging security module and the issuer security module (PPSAM) (S245) (At this time, a key for the value transfer may be set separately, but between the general LSAM and PPSAM It is preferable to use a charging key). The control unit of the terminal transmits the authentication result record of the payment security module side to the issuer security module, and transmits the authentication result record of the charging security module side to the collection security module for mutual confirmation of authentication (this is also confirmed later) It also has the function of transmitting the data for the issuer and the settlement server). The control unit of the terminal controls the deduction of the input moving value amount from the payment processing value value storage unit and simultaneously controls the increase of the moving value amount in the charge amount value storage unit (S250) to perform a value value moving operation. do.

In the present invention, the charge security module and the charge amount storage unit and the payment security module and payment processing amount storage unit separate the charge and payment processing, the reason is as follows. First, electronic money cards are issued by various issuers. If it is necessary to distinguish between the card that allows payment and the card that allows payment for each issuer for each charging / payment terminal, the charge processing element and the payment processing element are used as described above. It is desirable to distinguish. Secondly, if the electronic money transaction system is implemented to automatically charge when the balance in the card is below a certain amount without a separate charging request by the card user and contract with each issuer, the security module for the automatic charge card is separately provided. It is desirable to separate the charge processing element and the payment processing element as described above because it is necessary to keep the automatic charge history separately and send it to the settlement server of the electronic money transaction system.

In the charging / payment terminal according to the present invention, a terminal (specifically, a control unit) determines whether the terminal user (mainly a merchant, or in the case of a vending machine terminal, a card user) performs charging or payment processing. Must be provided with a means for notifying (a switch, etc.), and a means for inputting the amount of charge when performing the filling operation.

In the charging / payment terminal according to the present invention, a portion for interfacing with an electronic money card may be applied to either a non-contact RF method or a contact method, and a charging interface to prevent confusion of terminal users of charging and payment processing. You can also configure a separate payment interface. In particular, when the electronic money card is a combination card supporting both an RF method and a contact type interface, the payment interface may be implemented by the RF method, and the charging interface may be implemented by the contact method.

The security key used for mutual authentication when moving the value value between PSAM and LSAM is secured by using a payment processing key used by PSAM for payment processing or a key (separate value transfer key) different from the EP charging key used by LSAM for charging. Preferred for the purpose.

When used in an electronic money transaction system with automatic charging, the terminal stores the automatic charging history storage area in the terminal and transmits the charging details to the settlement server through the wired / wireless communication unit for each card where automatic charging is performed. Rather than transmitting the details every time, it is desirable to store the automatic charges in the terminal and transmit the automatic charges collected at a specified time.

In actual use, not only the first preferred embodiment but also some modifications may be implemented. Some of the implementable configurations are illustrated in the following examples.

(2nd Example)

The second embodiment of the present invention has a separate charging / payment module in an online manner, and its configuration and purpose are similar to those of the first embodiment, except that it is used in an online manner. This embodiment includes an electronic money interface for interfacing with an electronic money card for reading and writing; A payment security module (PSAM) for verifying the validity of the electronic money card for payment processing with the electronic money card; A payment processing amount storage unit for storing the sum of the payment processed amounts of respective electronic money cards (which may be replaced with a transaction history storing unit storing not only the sum of the payment processing sums but also all of the separate transactions); A charging security module (LSAM) for verifying validity of the electronic money card to perform a charging operation with the electronic money card; A charge amount storage unit for storing the value of money which is stored in advance for the filling operation and is deducted by the amount of charge during the filling operation; When performing the payment processing operation with the electronic money card processes the operation in connection with the payment security module and the payment processing amount storage unit, when performing the charging operation with the electronic money card the charging security module and the charge amount storage A control unit for processing a job in association with the unit; Payment processing transaction or charge history (mainly used in the automatic charging terminal) consists of a wired / wireless communication unit for transmitting to the settlement server.

The operation of the charging / payment terminal according to the present embodiment is as follows.

During payment processing, the interface with the card is maintained through RF or contact interface, mutual authentication is performed between the card and the PSAM, the card user deducts the amount to be paid from the card, and the payment processing amount storage unit Summing up. The charging / payment terminal is connected online with a settlement server that performs settlement of electronic money transactions and transmits a payment processing amount (or payment processing transaction history) to the settlement server. In this case, it is preferable to store the payment processing amount (or payment processing transaction history) in the terminal and transmit the transaction details collected at a designated time, rather than transmitting each transaction. During the charging operation, the interface with the card is maintained through RF or contact interface, mutual authentication is performed between the card and the LSAM, and the amount of money requested by the card user is deducted from the charge storage unit. Perform a charge on the card. In order to charge, the terminal user must communicate with the settlement server through the wired / wireless communication unit in advance to receive the electronic money amount value for the amount transferred from his designated account and store it in the charge amount storage unit. In addition, when used in an electronic money transaction system that has automatic charging, the automatic charging history storage area is stored in the terminal, and the charging history is transmitted to the settlement server through the wire / wireless communication unit for each card which has been automatically charged. It is preferable to store the automatic charging history in the terminal rather than transmitting the details for each automatic charging, and then collectively transmit the automatic charging details collected at a designated time.

(Third Embodiment)

A third embodiment of the present invention is a charging / payment terminal having an integrated charging / payment module in an offline manner and implemented to perform charging as a value of money collected by payment processing, and interfacing with an electronic money card for reading and writing. Electronic money interface unit for; A security module (SAM) for verifying validity of the electronic money card for payment processing and recharging with the electronic money card; An amount value storage unit for storing the sum of the paid amounts of each electronic money card and charging the electronic money card charged with the storage amount; The electronic money card is provided with a control unit that performs payment processing and charging operation in association with the security module and the value storage. The security module (SAM) may be implemented by dividing the payment processing security module (PSAM) and the charging security module (LSAM).

The operation of the charging / payment terminal according to the present embodiment is as follows.

Maintains an interface with the card through RF or contact interface during payment processing, performs mutual authentication between the card and the security module (or security processing module for payment processing), and provides the card with respect to the amount the card user wants to pay. Is subtracted from and added to the value storage. During the charging operation, the interface with the card is maintained through RF or a contact interface, mutual authentication is performed between the card and the security module (or charging security module), and the card user charges the charge for the amount. Deducts from the value storage and charges the card.

In this embodiment of the offline method, the security module and the value value storage unit are implemented as a single unit (preferably one-chip type), and the single unit is connected to the charging / payment terminal and the settlement server connection terminal (to the settlement server). It is desirable to implement a detachable to the terminal for connecting to exchange the electronic money value.

(Example 4)

A fourth embodiment of the present invention is a charging / payment terminal having an integrated charging / payment module in an online manner and implemented to perform charging as a value of money collected by payment processing, which interfaces with an electronic money card for reading and writing. Electronic money interface unit for; A security module (SAM) for verifying validity of the electronic money card for payment processing and recharging with the electronic money card; An amount value storage unit for storing the sum of the paid amounts of each electronic money card and charging the electronic money card charged with the storage amount; A control unit for performing payment processing and recharging operations in association with the security module and the value value storage unit using an electronic money card; Payment processing transaction or charge history (mainly used in the automatic charging terminal) consists of a wired / wireless communication unit for transmitting to the settlement server. The security module (SAM) may be implemented by dividing the payment processing security module (PSAM) and the charging security module (LSAM).

The operation of the charging / payment terminal according to the present embodiment is as follows.

Maintains an interface with the card through RF or contact interface during payment processing, performs mutual authentication between the card and the security module (or security processing module for payment processing), and provides the card with respect to the amount the card user wants to pay. Is subtracted from and added to the value storage. During the charging operation, the interface with the card is maintained through RF or a contact interface, mutual authentication is performed between the card and the security module (or charging security module), and the card user charges the charge for the amount. Deducts from the value storage and charges the card.

In this embodiment employing the online method, the charging / payment terminal is connected online with a settlement server that performs settlement of electronic money transactions, and transmits the electronic money payment processing transaction details to the settlement server. In this case, it is preferable to store the transaction details in the terminal and transmit the transaction details collected at a designated time, rather than transmitting the details for each transaction. In the present embodiment, since the payment processing amount and the recharge amount are stored in one value value storage unit, payments made through an online connection with a financial institution are refunded to the designated account of the amount stored in the value value storage unit, and the designation is made. It may also be briefly implemented to be used only in the process of charging the value of the money from the account to the value storage. In order to charge, the terminal user must communicate with the settlement server through the wired / wireless communication unit in advance to receive the electronic money amount value for the amount transferred from his designated account and store it in the charge amount storage unit.

By implementing the electronic money terminal according to the present invention as described above, it is possible to perform not only payment processing but also charging work with one electronic money terminal, and exchange the value value collected by the payment processing to the real money value in the bank, and again. It provides a convenient electronic money terminal that performs charging directly as the value value collected by payment processing, without the process of converting the real money value to the value for the charge amount.

Claims (6)

A prepaid electronic money card trading system comprising: a card interface for interfacing with an electronic money card for reading and writing; A payment security module (PSAM) for verifying the validity of the electronic money card for the payment processing operation with the electronic money card; A payment processing value value storing unit which stores a sum of the payment processed amounts of respective electronic money cards; A charging security module (LSAM) for verifying validity of the electronic money card for charging with the electronic money card; A charge amount value storage unit which charges the electronic money card charged as an internal storage amount; Control the payment processing to control the validity verification operation of the payment security module (PSAM) and increase the payment processing value value storage unit, or control the validity verification operation of the charging security module (LSAM) and deduct the payment amount value storage unit. Electronic money terminal characterized in that it comprises a control unit for controlling the charging operation. The method of claim 1, wherein the payment security module (PSAM) and the payment processing value value storage unit is integrated into one payment smart card (IC card), the charging security module (LSAM) and the value of the charge amount storage unit It is configured to be integrated into a smart card for charging (IC card) of; The electronic money terminal, characterized in that the body of the electronic money terminal is provided with a card connection for connecting the payment smart card and the smart card for charging. The method according to claim 1 or 2, The control unit controls mutual authentication between the payment security module and the charging security module, and controls the operation of deducting a predetermined amount from the payment processing value value storage unit and increasing or decreasing the charged amount value storage unit after the mutual authentication. Electronic money terminal, characterized in that. The method according to claim 1 or 2, The electronic money terminal further comprises an online communication unit for online connection with the collection security module (SSAM) of the settlement server or the issuer security module (PPSAM) of the card issuing financial institution, The controller controls mutual authentication between the collection security module (SSAM) and the payment security module of the settlement server through online, and the issuer security module (PPSAM) and the charging security module (LSAM) of the financial institution through online. Controlling mutual authentication, and controlling the operation of subtracting a predetermined amount from the payment processing value value storage unit and increasing or decreasing the charged amount value storage unit after the two mutual authentications. In the method of moving the electronic money value from the payment processing value value storage unit of the electronic money terminal for both charging and payment, Receiving a value movement command and a moving value amount from a user using a user input device of the terminal; Checking whether an amount of the mobile value or more is stored in the payment processing value value storage unit and whether the total value after the increase in the mobile value amount is within the total storage amount limit of the charge value storage unit and whether there is a right to move the value; Performing mutual authentication between the charging security module and the payment security module; And reducing the mobile value amount in the payment processing value value storage unit and increasing the charged value value storage unit. In the method of moving the electronic money value from the payment processing value value storage unit of the electronic money terminal for both charging and payment, Receiving a value movement command and a moving value amount from a user using a user input device of the terminal; Checking whether an amount of the mobile value or more is stored in the payment processing value value storage unit and whether the total value after the increase in the mobile value amount is within the total storage amount limit of the charge value storage unit and whether there is a right to move the value; Performing mutual authentication between the payment security module and the collection security module; Performing mutual authentication between the charging security module and the issuer security module; And reducing the mobile value amount in the payment processing value value storage unit and increasing the charged value value storage unit.